Upgrade

Active#60 in United States

Estimated valuation · Consumer lending · United States

Offers personal loans, credit cards, auto refinancing, home improvement financing and checking and savings accounts to US consumers through a mobile and online platform.

Fintech›consumer lending upgrade.com

Founded2017

HQSan Francisco

RaisedUSD 750M+

Last roundFunding round · Oct 2025

Country of originUnited StatesListed in the United States ranking

Where would you invest?United StatesJurisdiction as cited by the ranking

Estimated valuation

AI · United States ranking

≈ USD 7.3bnUSD 5.84–9.1bn · Unicorn

Hundreds of k$

Millions $

Tens of M$

Hundreds of M$

Unicorn

Decacorn

Hectocorn

Anchor: Last known equity round: Funding round · USD 165M · Oct 2025
Published valuation: USD 7.3bn · Oct 2025
AI adjustment: None

An indicative editorial estimate produced by AI, imperfect by nature: neither a financial valuation nor investment advice. Only the market sets a company’s value. Method

Uback rankings

How the AI ranks →

Ranking	Tier	Rank	Edition	Next update
United States · all sectors	Top 100	#60	Edition 0 · October 2026	1 Jan 2027

Rank historyOct 2026 · #60First edition: no movements yet.

Funding history

USD 750M+ raised in total

Date	Round	Amount	Type	Investors
Oct 2025	Funding round	USD 160M	Equity	Neuberger Berman, Ribbit Capital, Coatue, Silver Lake

Rounds as cited by Uback’s rankings. Equity, debt and grants are shown separately; only equity rounds count towards the valuation anchor.

Independent analyses

By industry professionals & analysts

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AI valuation: $7.3BUndervalued or overvalued?

Versus competitorsHow does it compare?

Who should acquire itStrategic buyers, and why

Who should it acquireAcquisition targets, and why

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What the AI reads

Read by the AI at the next edition.

Comparable companies in United States

Full United States ranking →

Stripe#3Fintech › online payments & acquiringHectocorn Ramp#5Fintech › spend managementDecacorn Ripple#7Fintech › blockchain infrastructureDecacorn Kalshi#10Fintech › prediction marketsDecacorn

Last updated: Oct 2026Report an error

Uback is a content publisher and an aggregator of non-binding expressions of interest. It provides no investment advice, receives no mandate and takes part in no transaction. Rankings, ranges and brackets are editorial estimates produced by AI, purely indicative.